Financial advisors work diligently to help seniors achieve post-retirement safety and security. But there is one area of financial planning that has become so great a concern it has, literally, been labeled an American “crisis”: The Long-Term Care Crisis. — Michael Freedman

How many people think that in our lifetime we will never see another Lehman Brothers? Despite the optimistic forecasts that economists are gleefully singing based upon positive jobs and GDP data, the system is still broken. — Sara Grillo

Change is coming rapidly for robo advisors. Offering a simple, automated investment platform at rock-bottom fees, robo advisors have caused a massive stir in the wealth management industry in recent years. Growth has accelerated, as robo advisors sign up new consumers and gather more assets. At the same time … — Mitchell H Caplan

We are the instant gratification generation. And it has killed our romantic lives. Let me explain. I think it’s safe to say that, if you ask just about anyone in modern society, they’d tell you that dating today is distinctly different than it was ten years ago. — Torie Richardson

Think of the hours spent watching the ticker symbols swim across the screen. Consider the time devoted to listening and reacting to the pundits and “experts” who predict what will happen next. — Michael Kay

Client relationships can take a long time to develop. This is especially true in large corporate environments where you have multiple stakeholders that have to be won over and executives who are cautious about opening up to an external advisor. — Andrew Sobel

You’ve heard the numbers: it costs 4 to 10 times more to acquire a new client than to retain an existing one. It’s why smart companies focus the bulk of their marketing and development efforts on current clients, and for companies like Starbucks, it’s been a strategy paved in gold. — Bill Acheson

Recently mortgage rates dropped to their lowest rates in history. At the moment, rates are sitting at an amazing 3.25% to 3.75% for a 30-year fixed mortgage. For anyone still holding on to high-interest debt—including retirees—this is great news. — George Guerin

U.S. municipal bonds have had a spectacular first half of the year. As of July 1, they returned 6.2 percent on a tax-adjusted basis, compared to the 2.7 percent for the S&P 500 Index, placing them among the top performers of 2016 so far. — Frank Holmes